| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER P. SCHERZER Filed as: CHRISTOPHER SCHERZER | 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 852543546 | ALL SAVERS INSURANCE COMPANY | $64K | — | $64K | 8.46% |
| THE CLEAR GROUP LLC3 Filed as: THE CLEAR GROUP | 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 852543546 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 9.45% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $274 | $2K | 1.57% |
| SCHERZER CHRISTOPHER PATRICK | 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 852543546 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 8.29% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.57% |
| ROSEMARIE HINES | 1485 CIVIC CT STE 1400 CONCORD, CA 945205281 | KAISER FOUNDATION HEALTH PLAN INC | -$781 | — | -$781 | -0.83% |
| THE CLEAR GROUP LLC Filed as: THE CLEAR GROUP, LLC | 4835 E CACTUS RD STE 425 SCOTTSDALE, AZ 852543546 | VISION SERVICE PLAN | $829 | — | $829 | 5.11% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | VISION SERVICE PLAN | $403 | — | $403 | 2.48% |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $68 | — | $68 | 0.42% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALL SAVERS INSURANCE COMPANY | 118 | $854K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $157K |
| Vision | VISION SERVICE PLAN | 107 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $157K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $157K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $157K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.